Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,780Cash toward the purchase price.
Closing costs + prepaids$7,731Not just lender fees.
Before credits & paid funds$50,510The complete starting cash picture.
Estimated remaining funds due at closing
$50,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,779.65
Your down payment$42,779.65
Closing costs + prepaids$7,730.65
Total buyer cash needed$50,510.30
Remaining funds due$50,510.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$58.75
Prepaid interest, first (27 days)$156.90
Fees + prepaids$7,730.65
Your down payment is the seller’s equity. You take over the $86,220 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $50,510.30 is due at closing. Uses and sources reconcile at $136,730.65 each. Not a Closing Disclosure.